OREANDA-NEWS. July 23, 2010. “The right for success” is not a simply slogan of the Bank, and philosophy of work of the big professional command of adherents. The Bank Finance and Credit is one of the largest players of the financial market, showing growth of the basic Bank indicators and successful work. Results of work of financial institution for the 1H2010 became a vivid acknowledgement of it.

Bank Finance and Credit net assets from the beginning of the year has grown almost by 15% and as of 01.07.2010 made up UAH 22, 202 billion, the Bank authorised capital stock – UAH 2 billion. The operational profit of the Bank following the results of 1H2010 has made UAH 357, 6 MIO.

Financial result of the Bank as of 01.07.2010 is a minus UAH 54, 301 MIO.

Reserves on risks covering by all kinds of active operations made up UAH 1, 349 billion.

In 1H2010, according to the program of re-structuring of eurobonds for the sum USD 100 MIO the Bank Finance and Credit paid to Eurobonds holders 5% from the sum of initial issue, thus, completely satisfied the condition of re-structuring approved in December, 2009. Besides, the Bank carried out planned payment of the coupon income in the sum over USD 5, 187 MIO according to the conditions of Eurobond issue. The payment total sum made up over USD 10 MIO.

In 1H2010, the Bank Finance and Credit repaid USD 23 MIO external loans within the limits of the attracted syndicated loans for the sum of USD 112, 5 MIO.

From the beginning of the year Bank attracted means in volume of USD 63, 5 MIO on conditions of subordinated debt.

In April, 2010 rating agency "Credit-rating" assigned a long-term credit rating by a national rating scale at level uaBBB - (level of investment class) to the Bank Finance and Credit. The forecast of credit rating is stable.

Bank continues to strengthen its positions in on-line services provision. Following the results of 1H 2010 system "Internet bank" is used by over 6 thousand clients.

As of 01.07.2010 about 134 thousand urgent deposit accounts are opened in the Bank Finance and Credit, and also over 240 thousand current accounts of clients-physical persons. The volume of funds on urgent deposit accounts of clients-physical persons as of 01.07.2010 made up UAH 4,836 billion, in general on deposit and current accounts of private clients of the Bank Finance and Credit – over UAH 5,247 billion.

From the beginning of year the Bank has offered clients several new attractive products: package servicing “Fresh breeze” for clients-physical persons-seamen, the deposit in English pounds sterling, and deposit in Russian roubles. Also clients of the Bank may take advantage of service of opening of the current account in the Russian roubles.

One of client-oriented Bank decisions in 1H2010 was a program “Become the Bank agent”. Under its terms agents of the Bank physical persons and physical persons-subjects of enterprise activity may receive the additional income.

As of 01.07.2010 over 36 thousand clients-legal bodies are served in the Bank. The volume of means on current and deposit accounts of legal bodies made up UAH 2,664 billion. The loan portfolio of legal bodies as of 01.07.2010 made up UAH 13,528 billion. As of 01.07.2010 over 32, 5 thousand of SME clients are served in the Bank.

In March, 2010 the international system of money transfers operating in the Bank “AVERS” celebrated the 5-th anniversary. In June, 2010 Second International conference “Markets of remittances, cash currency and bank metals” successfully passed in Kiev, organized by the Bank Finance and Credit and system of money transfers “AVERS”. The event united over 100 experts – representatives both Ukrainian, and the foreign companies. Among them were the systems of remittances, Ukrainian and foreign banks, the companies which are engaged in manufacture of the modern bank equipment.

From the beginning of the year the quantity of transactions in the international system of money transfers “AVERS” in the Bank Finance and Credit increased by 17% and made about 17 thousand transactions. For 1H2010 the system turn-over has increased by 19% and made up more than UAH 153 MIO multicurrency.

As of 01.07.2010 in the Bank Finance and Credit over 1, 256 MIO payment cards of international payment systems "VISA" and “MasterCard” are emitted. Own infrastructure of card business of the Bank includes 4382 trade-servicing points and 543 cash dispenses. As of 01.07.2010 the Bank realises 4762 salary projects.

Many clients of the Bank with impatience expected not only for World championship FIFA 2010 in the republic of South Africa, but also the drawing lot of prizes on the first stage of the promo "Fan-card". Sergey Shapovalov, the client of Odessa regional administration of the Bank, became the owner of the main prize and could visit the World football championship in the republic of South Africa. The general prize fund of the promo – the permit for two to the World championship FIFA 2010, 3 LCD-TVs, tourist sets.

Being one of the largest importers of foreign currency, the Bank Finance and Credit from the beginning of 2010 has imported USD 143 MIO, over Euro 24 MIO on the territory of Ukraine, and also realised about 369 kg of bank gold. Export of currency from the beginning of year has made Euro 112 MIO and USD 40 MIO.

As of 01.07.2010 the trading network of Bank consists of 16 branches and 305 non-balanced locations.